Credit Analyst I

Live here. Play here. Bank here. Work here.

If you're looking to build your career at a forward-thinking organization with deep community roots and a vision for growth, success, and giving back, you've come to the right place.

Get to know us:

• We're your local community bank-and have been since 1875-that is committed to providing excellent customer service and giving back to our communities.

• We foster a collaborative, inclusive work environment as part of a close-knit team where your voice is valued and heard.

• Our highly engaged employees are rewarded for their performance and have ample opportunities for cross-training and advancement within the organization.

• We've been named one of the best places to work in Maine, and offer robust benefits focused on your holistic well-being.

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This position is responsible for underwriting commercial loans in accordance with loan policy as set by the Corporation. This includes the credit analysis, structuring and underwriting of new loans as well as reviewing existing credits.

Essential Duties and Responsibilities:

• Underwrite new commercial loan requests for commercial loan relationships up to $500,000 and render decisions in adherence with Bank lending policy. Includes performing cash flow and underwriting analysis.
• Prepare appropriate reports to assist in the loan decision-making process.
• Spread, review and analyze updated financial statements and supporting documentation on existing commercial and new commercial real estate loans.
• Work closely with commercial lenders to ensure open communication regarding the customer and to ensure accurate file documentation.
• Discuss any perceived credit weaknesses or potential credit problems with the Relationship Manager, Credit Manager, and/or Director of Credit Administration.
• Analyzes work to conform to regulatory guidelines and Bank policies. Ensure compliance with applicable regulations including, but not limited to, Reg B and HMDA.

Basic Qualifications:

• Bachelor's degree in a related discipline from a four year college or university. Six months to 2 years credit analysis or similar work experience.

Language Skills

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

Reasoning Ability

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Other Skills and Abilities

• Strong oral and verbal communication skills

• Ability to work independently with direct supervision

• Effectively raises concerns in an effort to solve complex issues

• Ability to work effectively at a fast pace with competing interests and due dates, but can still maintain a timely turnaround time.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit and use hands to finger, handle, or feel. The employee is occasionally required to stand; walk and talk or hear. The employee must occasionally lift and/or move up to 25 pounds.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

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Our comprehensive total rewards package offers something for everyone!

• Robust medical, dental, and vision insurance packages
• Generous time off, including paid federal holidays and paid day off for your birthday
• 401(k) retirement savings plan
• Tuition reimbursement, professional development, and career growth opportunities
• Employee assistance program
• Comprehensive wellness program

Pursue a career at Camden National Bank and apply today. We can't wait to hear from you!

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We are guided and inspired by our Core Values:

• Honest and Integrity above all else
• Trust built on fairness
• Service that creates remarkable experiences
• Responsibility to use our resources for the greater good
• Excellence through hard work and lifelong learning
• Diversity realized through inclusion and respect

Equal Opportunity Employer

Employment with Camden National is on an at-will basis, meaning employment is not guaranteed for any specific period of time, and any employment relationship established may be terminated by either party at any time, for any reason, with or without notice. Completion of an employment application is not a contract, express or implied, guaranteeing employment. Camden National Bank is an Equal Opportunity Employer and does not discriminate on the grounds of race, color, religion, sex, sexual orientation, including gender identity and gender expression, national origin, citizenship status, age, disability, genetic information or veteran status.

Learn more about why employees love working at Camden National Bank!